Do you have a correction, tip, or suggestion for a new post? The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. Double the original manufacturer's warranty of one year or less on eligible products purchased entirely with your card, Account Services: Set up alerts and manage your card use online. **Certain limitations, restrictions, and exclusions apply. If your streaming service subscription is bundled with another product, membership, or service or billed by a third party (such as a digital platform, a cable, telecommunications, internet provider, online retailer, or in-vehicle streaming service), your purchase may not be eligible for bonus rewards points. © 1999 - 2021 Wells Fargo. For each billing period we will use the U.S. Prime Rate, or the average of the U.S. Prime Rates if there is more than one, published in the Money Rates column of. Payments made in excess of the minimum payment will generally be applied to balances with higher APRs first before balances with lower ones. Existing Propel 365 cardmembers have automatically been moved over to the new card and the card will be available to the public on July 16. $12.50 if the total of overdraft protection advances for the day is $50 or less;$20 if the total of overdraft protection advances for the day is greater than $50. You certify that all information provided is true, correct, and complete and that you have the legal capacity to enter into this contract. Navegó a una página que no está disponible en español en este momento. The coverage does not apply if the cell phone bill is paid from a Wells Fargo Debit Card, Wells Fargo Business Credit Card, Wells Fargo Commercial Card or from the card that is linked to a Line of Credit. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. This benefit does not cover cell phones that are lost (i.e. To qualify for the 30,000 bonus rewards points, a total of at least $3,000 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. Please note that the offers displayed on this page may differ from offers you may have received from Wells Fargo. Apply with a good to excellent credit score of 670 or higher. Cash advances and balance transfers do not apply for purposes of this offer and may impact the credit line available for this offer. Member FDIC. WELLS FARGO PROPEL POINTS. Coverage does not apply to cell phones that are rented, borrowed, or received as part of a prepaid plan. See important exclusions below (on page 2 if printed). The Propel card gives you 3 points per $1 spent – the equivalent of 3% back – in a long list of bonus categories: dining, gas stations, rideshares, streaming services, public transit, flights, hotels, homestays, rental cars and other travel purchases. Advertiser relationships do not affect card ratings or our Best Card Picks. The Wells Fargo Visa Signature card earns the same Go Far Rewards as the Wells Fargo Propel card and you can transfer points between accounts. If you have a joint checking account, you will be responsible for all advances, including interest and charges, from your credit card to cover overdrafts, regardless of who writes the check, makes the debit card purchase, or engages in any other transaction that causes the overdraft. It offers a rich bonus of 20,000 bonus points when you spend $1,000 in purchases in the first 3 months ($200 cash redemption value), the highest bonus among no-annual-fee consumer credit cards in the market. The statement credit option will simply reduce your credit card account balance, and we typically recommend this method over cash. This is supplemental coverage not otherwise covered by another insurance policy (for example, cell phone insurance programs, or your homeowner’s, renter’s, automobile, or employer’s insurance policies) and may be applied after all other insurance is exhausted. We use a method called "average daily balance (including new purchases)". 23.99% to 25.99%, based on your creditworthiness. If you are a married applicant you may apply for credit in your own name. 0.00% introductory APR for 12 months from date of account opening. There may be a maximum limit on the dollar amount of the rewards redemptions for cash that you can make each day at a Wells Fargo ATM. No Foreign Currency Conversion Fee. The minimum dollar amount that must be paid each month before the payment due date. You may not be eligible for introductory annual percentage rates, fees, and/or bonus rewards offers if you opened a Wells Fargo Credit Card within the last 15 months from the date of this application and you received introductory APR(s), fees, and/or bonus rewards offers – even if that account is closed and has a $0 balance. Getting approved for a credit card requires a little planning. Each approved claim has abenefit limit of $600. Unlike many credit cards, the Wells Fargo Propel card does not have an annual fee, so you don’t have to worry about spending a certain amount to make it worthwhile. Non-category purchases will all get 2% back in that first year, which is twice as good as most cards. For complete coverage benefits and exclusions regarding this protection, go to www.wellsfargo.com/ctp.Note: Call your cellular provider (or sign on to their website) and request to set up automatic payments. Overview. For complete details of any products mentioned, visit bank or issuer website. The APRs applicable to your account will be determined by our review of your credit report, information you provide on your application, and other relevant information available to us. The main features of the Chase Sapphire Preferred® Card (Review) are wide-ranging opportunities to earn points, a large signup bonus, and the ability to transfer your points to leading airline and hotel loyalty programs. If you choose to link your Account to your Wells Fargo checking account for Overdraft Protection, please note the following. Wells Fargo does not have the ability to control how a retailer chooses to classify their business and, therefore, reserves the right to determine which purchases qualify for bonus points. See some other great card options in the Best Travel Rewards Credit Cards. After that, your APR will be 14.49% to 24.99%, based on your creditworthiness. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. How to Avoid Paying Interest on Purchases. Find an ATM or banking location near you. Wells Fargo has unveiled an upgraded version of the 365 card — the Wells Fargo Propel American Express Card. Reimbursement is limited to the repair or replacement of your original cell phone, less a $25 deductible with an allowable maximum of two paid claims per 12 month period. The Wells Fargo Propel American Express card will reward you for buying gas, booking travel, subscribing to streaming services, and eating out. Redemptions must be in increments of 2,500 for each method, which will provide $25 in value. For additional information on overdraft protection using your credit card, please visit www.wellsfargo.com/credit-cards/features/overdraft-protection. Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. 2. Cash redemption options by phone or online are redeemable in $25 increments only. Annual Percentage Rate (APR) for Purchases, Annual Percentage Rate (APR) for Balance Transfers, APR for Cash Advances and Overdraft Protection Advances. Wells Fargo didn’t used to be a big player in the credit card space, then they introduced their 5x cards and the Propel series and have been steadily getting more popular. For us to service your Account or to collect any amounts you may owe, you agree that we may contact you using any contact information related to your Account including any number (i) you have provided to us (ii) from which you called us, or (iii) which we obtained and reasonably believe we can reach you. Generally, we will apply your minimum payment first to lower APR balances (such as Purchases) before balances with higher APRs (such as Cash Advances). You may not qualify for the lowest APRs disclosed above. If the credit card for which you are applying is granted, you will notify the Bank if you have a spouse who needs to receive notification that credit has been extended to you. You can rack up rewards quickly for certain purchases, such as buying gas or dining out. I called and a nice rep explained that they would update my income and attempt a soft pull, but if it was denied it would need to go to an underwriter to do a hard pull. They are quite strange when it comes to credit cards, so read this before you think about applying for one of their cards. You could be ineligible for the Propel’s introductory APRs even if you have since closed that other card. Do you use the Wells Fargo Propel American Express card? However, Wells Fargo is known for less-than-stellar customer service, so you should keep that in mind before applying for a card. Points never expire as long as your account is open, so you can build up a wealth of rewards without worrying about losing them. NMLSR ID 399801, With the winner of NerdWallet's Best-Of Award 2 years in a row, earn. You may not be eligible for introductory annual percentage rates, fees, and/or bonus rewards offers if you opened a Wells Fargo Credit Card within the last 15 months from the date of this application and you received introductory APR(s), fees, and/or bonus rewards offers - even if that account is closed and has a $0 balance. It is not the bank advertisers' responsibility to ensure all posts are accurate and/or questions are answered. You can also transfer your points to an airline or hotel program, where you might get as much as 2 cents per point or more. Looking to maximize rewards on your next trip? Call Wells Fargo customer service at 1-800-642-4720. If you are married, by submitting your credit card application you are confirming that this credit card obligation is being incurred in the interest of your marriage and your family. New to credit cards? You agree to promptly notify us if you change any contact information you provide to us. Three rewards points (1 base point plus 2 bonus points) are earned per $1 spent on net purchases (purchases minus returns/credits) at retailers whose merchant code for American Express is classified as: Travel: airline, passenger railway, hotel and motel, timeshares, vehicle and auto rentals, cruise lines, travel agencies, discount travel sites, campgrounds, passenger trains, taxis, limousines, ferries, toll bridges and highways, parking lots, and garages. Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. The coverage does not apply if the cell phone bill is paid from a Wells Fargo Debit Card, Wells Fargo Business Credit Card, Wells Fargo Commercial Card or from the card that is linked to a Line of Credit. Some promotional rewards bonus offers may include a limit on the amount of bonus points that can be earned. Note: That’d give you a cash back equivalent of 4% for travel and dining. Refer to the Consumer Credit Card Customer Agreement and Disclosure Statement for details. Wells Fargo Propel American Express Card Account Agreement, www.wellsfargo.com/credit-cards/features/overdraft-protection, www.wellsfargo.com/checking/overdraft-services/, Program Terms and Conditions and Addendum for the Wells Fargo Propel American Express, Save paper and time with online statements, Points that do not expire while your account remains open, Our lowest intro APR on purchases and balance transfers for 12 months from account opening, Cell phone protection helps protect your cell phone from damage or theft, Earn 20,000 bonus rewards points after spending $1,000 in purchases in the first 3 months – a $200 cash redemption value, Flights, hotels, homestays, and car rentals, Points don’t expire as long as your account remains open, Redeem points for travel, cash redemption options, Gift card redemption options currently as low as 2,500 points for a $25 gift card, No blackout dates on air travel when redeemed through, 24/7 travel and emergency assistance, and emergency cash advances, Unless an introductory or promotional APR is in effect, we will add a “Margin” to the U.S. Prime Rate to determine your standard variable APR. This flat rate is good for any spending that doesn’t fall under the bonus categories of other reward cards. Some of those options could give you more value for your points. You can earn a $200 bonus for spending $500 in the first 3 months, which is quite a small spending requirement compared to many reward cards. The Wells Fargo Propel is a no-annual-fee card that offers incredible benefits that nearly everyone can enjoy.. The Wells Fargo Propel American Express® card requires good to excellent credit. Setting up automatic payments is not required to qualify for Cellular Telephone Protection; however, you need to pay your monthly cell phone bill with your eligible Wells Fargo Consumer Credit Card to get up to $600 protection. Please call to activate your new card as soon as you receive it. Cell Phone Protection helps protect your cell phone from damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo consumer credit card. A fairly unique feature is the 3X category for popular streaming services, a rare find on credit cards today but something we expect to see more going forward. The Wells Fargo Propel card is a near-perfect choice for those who want to score high earnings but can’t stomach the idea of paying an annual fee for a credit card. Cellular Telephone Protection coverage begins the first day of the calendar month following your first cell phone billing on your Wells Fargo Consumer Credit Card, and remains in effect when you continue to charge your total monthly cell phone bill to your Wells Fargo Consumer Credit Card. This protection is only available when cell phone bills are paid from your Wells Fargo Consumer Credit Card. There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. If you want a no-fee credit card to earn rewards for your daily purchases, Wells Fargo Propel American Express® card will be one of the best cards for what you need. We may also limit the total number of open Wells Fargo credit card accounts you have. You hereby stipulate to the terms of the arbitration program described in the Agreement. Please refer to your offer specific disclosures for more details. A fee charged once a year for maintaining an account and for any special services. The Wells Fargo Propel American Express® card doesn’t charge a foreign transaction fee, but that may not be a huge benefit overall since American Express credit cards aren’t as widely accepted overseas as other credit card networks. The card also includes special promotional offers on new purchases as well as balance transfers. Credit Card Insider and CardRatings may receive a commission from card issuers. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Selecione Cancele para permanecer en esta página o Continúe para ver nuestra página principal en español. Most credit card offers require very good credit. The travel category is quite broad and covers a wide variety of purchases, which are shown below. Entertainment: American Express Presales offer valid in select cities. If we need more time to review your application, you will receive an application ID and a phone number that you can call to check your application status. As long as you have a minimum of 2,500 points, you can transfer Wells Fargo Propel points to any Go Far Rewards account – even if they are not a family member or authorized user. Wells Fargo Propel American Express® Card reviews and complaints. You are responsible for any service provider charges as a result of us contacting you. But it also features the valuable ability to transfer your points to other programs, and excellent travel protections. Upon submitting the online application, you will receive the status of your application on the confirmation page and we will send you a confirmation email. Any opinions, analyses, reviews, or evaluations provided here are those of the author’s alone, and have not been reviewed, approved, or otherwise endorsed by the Advertiser. Efforts have been made to keep the content up to date and accurate. However, there are some cases where it can take a few days or even longer to hear back, such as if the company needs to verify your information. For complete coverage benefits and exclusions regarding this protection go to www.wellsfargo.com/ctp. ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKS™, cash equivalents such as money orders and prepaid gift cards, wire transfers, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn rewards points. Your due date is at least 25 days after the close of each billing period. If you do not do so, your requests for certain services such as balance transfers, Wells Fargo Online and ATM access may be delayed and you may be denied access to your account. If approved, you’ll get a notification and it will list your credit limit. We are unable to contact you about your comments. The streaming services category is more limited, restricted to the services shown below. It would make more sense to look for another card, like the alternatives listed below. EDITORIAL DISCLOSURE: The editorial content on this site is not provided by the companies whose products are featured. If you are charged interest, the charge will be no less than $1.00. And “Gas” includes gas stations and automated fuel pumps, but it doesn’t include other places that may sell gas, like membership clubs, auto repair stores, or grocery stores. The minimum recommended credit score for this credit card is 700. Each approved claim has a benefit limit of $600. Your points are always worth 1 cent each, regardless of the redemption method. Cellular Telephone Protection can reimburse the eligible Wells Fargo Consumer Credit Card cardholder for damage to or theft of a cell phone. While making a balance transfer may be beneficial to you, balance transfers also may have limitations and/or fees associated with them so please consult your account agreement before making a balance transfer. Cellular Telephone Protection coverage begins the first day of the calendar month following your first cell phone billing on your Wells Fargo Consumer Credit Card, and remains in effect when you continue to charge your total monthly cell phone bill to your Wells Fargo Consumer Credit Card. The Wells Fargo Propel American Express® card is one of a very select few credit cards that offers cellphone theft and damage protection as a benefit. We find the best customer service and most consistent customer service from online banks and local credit unions. You may not earn bonus points for purchases made through third-party payment accounts, at online marketplaces, with retailers who submit purchases using a mobile or wireless card reader, or if you use a mobile or digital wallet. Customers are generally happy with the rewards they earn on multiple categories, as well as the available cell phone protection. What this means for you: when you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. Not all seats are available and blackout dates apply. There may be other options available to protect against overdraft that may be less costly. You agree that the Bank will determine the amount of credit extended, as well as which product you qualify for, based on the Bank's review criteria. For details on other options, please visit www.wellsfargo.com/checking/overdraft-services/. 9. Additionally, 3 rewards points (1 base point plus 2 bonus points) are earned per $1 spent on net purchases for eligible online streaming services. This includes your name, mailing address, e-mail addresses, or phone numbers. You give consent to allow us to contact your past, present and future phone service providers to verify the information you have provided against their records. Since your points are worth 1 cent each, you’ll be earning a cash back equivalent of 3% when spending at the 3X rate. If you have a joint Account, a notice to one of you will serve as a notice to both of you. It also comes with generous introductory APR offers on new purchases. Credit Card Insider and CardRatings may receive a commission from card issuers. You’ll get access to Shop through Chase and Chase Offers with this card, where you might be able to find some useful offers with select vendors. These bonus rewards points will show as redeemable within 1-2 billing periods after they are earned. Electronic failure or issues related to the software of the device are not covered. Instead, the Propel card from Wells Fargo has its sights set on the likes of the Citi Thank You Premier, Chase Sapphire Preferred, and the Premium Rewards Credit Card from Bank of America. This is supplemental coverage not otherwise covered by another insurance policy (for example, cell phone insurance programs, or your homeowner’s, renter’s, automobile, or employer’s insurance policies) and may be applied after all other insurance is exhausted. Let us know how you like it in the comments below! We may use any means to contact you and this may include contact from companies working on our behalf to service your accounts. And with no annual fee, you don’t have to worry about spending minimums to make the card worth carrying. All sales final. And, if you want a card to earn rewards on streaming services, this is one of the few you’ll find with that bonus category. Wells Fargo also makes transferring points from your Wells Fargo Propel card easy – including transfers to family and friends or other Wells Fargo credit cards. If you’re willing to overlook customer service reviews and want to earn rewards in certain categories, the Wells Fargo Propel American Express® card may be a solid choice. Most people can hit that requirement just by using the card for gas and groceries. ADVERTISER DISCLOSURE: Credit Card Insider is an independent, advertising supported website. Dining: eating places and restaurants, drinking places, or fast food restaurants (caterers, bakeries, grocery stores, and other miscellaneous places that serve food or operate restaurants on their premises are not considered eating places and restaurants). With an introductory bonus of 20,000 bonus points for spending $1,000 in the first 3 months, a $200 value, you can get a reward in the form of cash, a statement credit, or a gift card. The Citi® Double Cash Card – 18 month BT offer (Review) is one of the best flat-rate cash back cards on the market. For more information, check out the Wells Fargo Propel Card’s Guide to Benefits. Please do not enter any personal or account information in this box. But redeem them through the Chase Ultimate Rewards program for travel expenses and you’ll get 1.25 cents per point. This application is for a credit card with Wells Fargo Bank, N.A. Gas: gas stations and automated fuel dispensers (gas purchases at warehouse and membership clubs, grocery stores, car washes, auto repair stores, and superstores that sell gasoline may not be coded as gas stations or automated fuel dispensers). Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. The Wells Fargo Propel American Express Card provides 3X reward points for an interesting variety of categories:. To find out what may have changed, call 1-866-568-6521. Wells Fargo reserves the right to change terms, rates (APRs) and fees, at its discretion in accordance with the Consumer Credit Card Customer Agreement and Disclosure Statement ("Agreement") for your account and applicable law. This protection may not be equivalent to or better than other applicable coverage. With no annual fee, it’s a smart choice for beginners looking for a new rewards card. Wells Fargo will reimburse cardholders who pay their cell service bill with their card if the phone is damaged or stolen. The Wells Fargo Propel is designed for people with good credit. However, it’s important to keep in mind that you may not be eligible for the introductory APRs if you opened another Wells Fargo credit card within the last 15 months of applying for the Propel card and received another introductory APR offer or bonus points. Your mobile carrier's message and data rates may apply. Wells Fargo Propel American Express® card, other great cards without foreign transaction fees, Best No Foreign Transaction Fee Credit Cards, 6 Best Credit Cards for International Travel, 0% for 12 months, then 14.49%-24.99% Variable, 0% for 12 months on qualifying balance transfers, then 14.49%-24.99% Variable, 3X points for gas, dining out, travel, and eligible streaming services, Intro bonus offer of 20,000 bonus points for spending $1,000 in the first 3 months, Redeem points for cash, gift cards, or travel, 12 months at 0% introductory APR on purchases and balance transfers (then 14.49%-24.99% Variable), Limited travel benefits other than protections, Selection of streaming services eligible for 3X points is limited, 20,000 bonus points for spending $1,000 in the first 3 months. Coverage does not apply to cell phones that are rented, borrowed, or received as part of a prepaid plan. 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